How long has Enigmatix Global been operating?

We've been building software since 2010 — 16 years of delivery across finance, healthcare, retail, logistics, energy, the public sector, and beyond. We're a consultancy, not a body-shop, and we've kept the same engineering discipline across every engagement shape.

Where are your offices?

London (EMEA HQ), Manchester, Riyadh, Jeddah, Manama, Lahore, and Bahawalpur. Delivery is global, with teams shaped around your time zone and regulatory footprint — not ours.

What engagement models do you offer?

Three primary shapes: dedicated engineering teams (pod-based, long-running), offshore development centres (a branded engineering function inside your company), and staff augmentation (vetted engineers embedded in your existing team). Pick the shape that fits your operating model.

What industries do you work in?

Thirteen sectors today — financial services, healthcare, retail, logistics, telecom, energy, public sector, education, manufacturing, real estate, travel, legal, and HR. The engineering discipline transfers across all of them; the regulatory and domain knowledge is what we specialise in per sector.

What technologies do you work in?

Polyglot by design. Go, Python, TypeScript, Java, Kotlin, C#, Rust, Swift on the application side; AWS, GCP, Azure on infrastructure; Postgres, Snowflake, Kafka, and the full AI/ML toolchain. We pick the stack to fit your problem and existing estate — not a vendor relationship on our side.

How do I start an engagement?

Send us a message through the contact form or book a 30-minute call. We reply within one working day with a real person — not a drip campaign. First call is discovery: your problem, our fit, and whether we're the right partner. No sales pressure, no filler decks.

HomeFinancial servicesCase study · P-003

Financial services · Payments platform

Paylink — connected commerce for Australian SMBs.

An Australian payments platform that unifies bills, invoicing, accounts and card acceptance into one mobile-first experience — positioned as a local alternative to global processors.

/01

The problem

The challenge.

Australian small businesses juggle a patchwork of tools for invoicing, receiving payments, reconciling to BAS and paying bills — each with its own fees, logins and export quirks.

Existing local alternatives felt dated, while global processors did not handle BPAY, PayID or ATO reporting cleanly.

The founders wanted a single mobile-first app where a café owner could raise an invoice, accept a tap-to-pay card, pay a supplier and see their position — without switching screens.

/02

The plan

Our approach.

Designed a unified ledger in PostgreSQL that treats invoices, bills, transfers and card payments as entries against the same merchant account.

Built the mobile experience in Flutter with a Flask backend, so iOS and Android ship from one codebase with native performance.

Integrated Stripe Connect for card acceptance, plus BPAY and PayID rails for the Australian-specific flows customers expect.

Layered automatic GST tagging and Xero/MYOB exports so accountants can reconcile without manual re-keying.

/03

The result

The outcome.

SMBs get paid, pay bills and reconcile from one app instead of four tools.

Onboarding went from days of paperwork to minutes with KYC and bank linking in-app.

Local rails (BPAY, PayID, BAS categorisation) make the platform feel native rather than a retrofitted US product.

Measured outcomes

What the numbers said.

Every engagement ships with a named set of measurable outcomes. These are the numbers that mattered for this one.

4

Tools replaced per merchant

<5 min

Merchant onboarding

98%

Auto-reconciliation rate

Engineering stack

What it was built with.

The exact tools in the delivered system. We pick the stack to fit the problem and the team — not the trend cycle.

/01Flutter

/02Flask

/03PostgreSQL

/04Redis

/05Stripe Connect

/06AWS

Related financial services work.

/01

Investment platform

Ledger 02 — retail investment advisory.

A long-horizon investment advisory platform that publishes market commentary, research and member-only tools to millions of retail investors worldwide.

/02

Web3 platform

Ledger 03 — AI agents meets Web3.

A platform at the intersection of generative AI and blockchain — decentralised AI agents and multimodal characters owned by users via NFTs with real-time avatar…

/03

Lending platform

Ledger 04 — consumer loan origination.

A consumer lending platform that captures applications, pulls credit, monitors collateral and manages ongoing loans end-to-end for both borrowers and lenders.

Trusted by our clients

What partners
tell us.

Most clients renew for a second engagement. The ones who don't usually hire someone from our team to run the project in-house.

We are a mental health charity and not tech minded. We needed to improve our patient registration system but wanted a company that we can relate to. Hassan took the time to meet with me and patiently went through our process to find a personalised solution for us. Hassan's team did a great job streamlining our process and connected our registration system to our patient management software. Whenever we have a glitch, they resolve this quickly. Cloudini provides a personal and efficient service and we have adopted them to be our IT provider.

Tien Kuei

CEO · Power to Live Foundation

I am writing to wholeheartedly recommend Cloudini as a premier bespoke software development agency. Our journey with them has been nothing short of exemplary, far exceeding our initial expectations. While many agencies can develop based on strict specifications, Cloudini demonstrated an incredible commitment to our project that was truly unparalleled.

Robert McPherson

Managing Director · RBM Global Ltd

Dragonfly has been working with the team at Cloudini for several years now on building out our web-based platform and APIs. One of their strengths is quickly building out a multi-disciplinary team to work on the development and delivery of features with different technical requirements. Their support has allowed us to accelerate our development work without building an internal team. They have also worked seamlessly with other third parties both during the acquisition of Dragonfly and development of our mobile app. Cloudini has been instrumental in bringing our ideas to life and providing guidance to help us make the best technical decisions. I would recommend getting in touch with them if you're looking for support.

Rebecca Palser

COO · Dragonfly

Hassan and the Cloudini team have been indispensable partners as we rebuilt our client-facing applications into a single platform. As well as being exceptional technically, they consistently invest the time to understand the product and suggest how it can be enhanced and improved.

David Claridge

CEO · Dragonfly

Cloudini did some great work for Sainsbury's, bridging complex interactions between some older less flexible systems, some rigid vendor solutions and the new systems we were building. The software Cloudini developers wrote stood up well, long beyond the interim scope of it needing to work for 12-18m and was still in active use 5 years after its creation to good effect, since it was part of mission critical systems.

Fraser Pearce

Senior Engineering Manager · Sainsbury's

Frequently asked

Answers before you ask.

We've been building software since 2010 — 16 years of delivery across finance, healthcare, retail, logistics, energy, the public sector, and beyond. We're a consultancy, not a body-shop, and we've kept the same engineering discipline across every engagement shape.

Start here

Let's build
from here.

Thirty minutes with an actual engineer. No sales, no drip campaign. If we're the wrong fit we'll tell you and point you somewhere better.

Book a 30-min call info@enigmatixglobal.com

Response

Within one working day

Minimum

Two-week discovery